Well, I decided to further my AMEX goal I would do the following: Applied for interest checking and savings and overdraft protection, instant approval Previously approved for $5000 LOC with prime plus 5.99% Previously got Cobalt Card. Unfortunately, denied for AMEX green for students and AMEX blue for students in July. Three months ago, I couldn't get banks to approve me for a savings account. Today I have doors opened at AMEX, Wachovia, Citibank, CapitalOne, FCNB, Sterling, Retailers National, and it's all because this board is empowering. Steph